Free Legal Wizards

All Free Legal Wizards

Search 202 free interactive legal wizards across 13 practice areas. Each one builds you a personalized action plan for your situation — free, private, and covering both Canada and the US.

Property DivisionMap every asset, debt, and complication in your separation and get a personalized division roadmap with valuat
Family Law
Separation AgreementFind out whether a separation agreement is right for your situation, what it must cover, and how to make it en
Family Law
Parenting PlanBuild a complete parenting plan outline — schedules matched to your children's ages, holiday rotations, decisi
Family Law
Disclosure ReadinessFind out how ready you are to complete sworn financial disclosure — get a readiness score, the exact documents
Family Law
Consultation PrepTurn your first lawyer meeting into a strategy session — get a personalized agenda, a bring-list, ranked quest
Family Law
Divorce ReadinessFind out whether you're practically, legally, financially, and emotionally ready to file for divorce — grounds
Family Law
Child SupportUnderstand how child support is calculated in Canada and the US — guideline tables, income shares, shared-cust
Family Law
Spousal SupportFind out whether spousal support or alimony is likely, and get an educational estimate of amount and duration
Family Law
Prenup PlannerPlan a prenuptial, marriage, or cohabitation agreement that holds up — learn what you can and can't include, t
Family Law
Child RelocationAssess a proposed move with your child after separation — notice rules, who bears the burden of proof, best-in
Family Law
Custody TypeChoose the right custody type — legal vs physical custody, sole vs joint vs shared, decision-making vs parenti
Family Law
Process SelectorAnswer five questions about conflict, safety, disclosure, budget, and flexibility, and see which dispute-resol
Family Law
Divorce Cost EstimatorGet an educational estimate of what your divorce could cost and how long it could take, based on whether it's
Family Law
Grandparent RightsUnderstand whether you have a right to contact or visitation with your grandchild, how the parents' status aff
Family Law
Common-Law RightsFind out how your rights to property, support, and status differ from marriage when an unmarried cohabiting re
Family Law
After Being ChargedAnswer a few questions about how you were charged and get a personalized stage-by-stage roadmap from first app
Criminal Law
Charge AssessmentAssess how serious your charge really is — record, immigration, employment, and travel consequences mapped to
Criminal Law
Bail ConditionsUnderstand every condition of your release, the breach risks hiding in each one, and how variations work when
Criminal Law
Court PrepA preparation plan matched to your exact hearing type — first appearance, pre-trial, preliminary hearing, tria
Criminal Law
Case Document OrganizerTurn a shoebox of papers into an organized case file — a personalized document inventory, chronology template,
Criminal Law
DUI DefenceUnderstand how serious your DUI or impaired-driving charge is, protect your licence before the administrative
Criminal Law
Assault ChargeUnderstand which tier of assault you're charged with, how injury, a weapon, or a domestic context change your
Criminal Law
Drug ChargeUnderstand your drug charge — possession vs trafficking, the role of the search, diversion options, and immigr
Criminal Law
Theft ChargeUnderstand your theft, shoplifting, or fraud charge — how value sets the classification, when breach of trust
Criminal Law
Domestic ChargeFacing a domestic assault or family-violence charge? Understand your no-contact conditions, why the complainan
Criminal Law
Weapons ChargeUnderstand your weapons or firearms charge — possession vs use, mandatory minimums, prohibition orders, licens
Criminal Law
Diversion CheckSee whether you might qualify for diversion, alternative measures, or a specialized court that resolves a char
Criminal Law
Record SuspensionSee whether you may qualify to clear or seal a criminal record — a record suspension in Canada or expungement/
Criminal Law
Sentencing OutlookUnderstand what drives a criminal sentence — aggravating and mitigating factors, mandatory minimums, and non-c
Criminal Law
Search RightsWas the search of you, your car, your phone, or your home lawful? Understand your Charter and Fourth Amendment
Criminal Law
Fight My Ticket?Answer a few questions about your ticket and get a clear fight, negotiate, or pay recommendation — with deadli
Traffic Law
Licence ImpactMap this ticket against your licence class, point balance, and record to see your real exposure — suspension p
Traffic Law
Court PrepYour hearing is scheduled — now get ready for it. Build a disclosure, evidence, and hearing-day plan matched t
Traffic Law
Commercial Driver TicketCDL and commercial-class tickets hit two records at once — yours and the carrier's. Map the dual consequences
Traffic Law
Traffic Evidence OrganizerCapture and preserve every piece of evidence for your traffic matter before it disappears — a prioritized pres
Traffic Law
Sue My ContractorAssess your construction or renovation dispute — contract strength, limitation deadlines, evidence gaps, and t
Small Claims
Unpaid InvoiceAssess your unpaid receivable — collectability, limitation deadlines, interest and costs, and whether a demand
Small Claims
Personal Loan RecoveryLoaned money to a friend or family member who won't pay it back? Assess how to prove it was a loan, protect th
Small Claims
Enforce a JudgmentYou won — now collect. Map the debtor's assets to the right enforcement tools: garnishment, writs, debtor exam
Small Claims
Settle or Go to Court?A structured decision framework for your active dispute — expected value, cost curves, counterclaim risk, and
Small Claims
Security DepositAssess a withheld rental security deposit — return deadlines, improper deductions, statutory penalties, and wh
Small Claims
Breach of ContractAssess a broken agreement — whether a contract exists, whether you performed your side, what damages you can c
Small Claims
Defective GoodsAssess a faulty product or a purchase that wasn't as described — your implied-warranty and consumer rights, re
Small Claims
Property DamageAssess a claim for damage to your vehicle, home, or belongings — proving fault, the right measure of damages,
Small Claims
Service Not ProvidedAssess a refund claim when you paid for a service that was never delivered, left unfinished, or done badly — c
Small Claims
Demand LetterPlan a demand letter that actually gets paid — the amount, legal basis, evidence, a firm deadline, professiona
Small Claims
Small Claims LimitFind out whether your dispute fits in small claims court — monetary limits by province and state, when to waiv
Small Claims
Being SuedBeen served with a small claims claim? Assess your deadline, defences, whether to admit, dispute, deny, or cou
Small Claims
Car Accident DamageAssess a vehicle-damage claim after a collision — fault, no-fault insurance rules, repair costs and diminished
Small Claims
Settlement OfferPlan a small claims settlement — value the case realistically, weigh cost and collectability, structure a lump
Small Claims
Injury Case AssessmentAnswer a few questions about how you were hurt and get a personalized analysis of the four legal elements your
Personal Injury
Car Accident ClaimMap both tracks of your motor vehicle claim — your own insurer's benefits and the case against the at-fault dr
Personal Injury
Slip & Fall ClaimWork through where you fell, what caused it, and who's responsible — and find out whether a written notice dea
Personal Injury
Claim Value FactorsUnderstand the heads of damages that make up an injury claim — pain and suffering, income loss, future care, h
Personal Injury
Claim Deadline CheckCheck whether your injury claim is still within the limitation period — including government notice traps, min
Personal Injury
Settlement Offer ReviewPressure-test the insurance offer on your injury claim — recovery status, release finality, adjuster tactics,
Personal Injury
Documentation OrganizerAudit the evidence in your injury claim and get a complete five-file documentation system — medical records, e
Personal Injury
Dog Bite ClaimAssess your dog bite or animal attack claim — liability rules, the owner's insurance, scarring damages, and re
Personal Injury
LTD DenialDenied or cut off by your LTD insurer? Map your denial reasons, deadlines, and medical evidence, and get a per
Personal Injury
Hiring a PI LawyerChoose the right personal injury lawyer with confidence — contingency fees decoded, red flags to avoid, and a
Personal Injury
Motorcycle Accident ClaimAssess your motorcycle crash claim — fault and comparative negligence, the helmet defence, road-rash and scarr
Personal Injury
Medical Malpractice ScreenerScreen a potential medical malpractice claim — standard of care, causation, expert evidence, deadlines, and pu
Personal Injury
Product Liability ClaimAssess an injury from a defective product — manufacturing, design, and failure-to-warn defects, preserving the
Personal Injury
Brain Injury ClaimAssess a traumatic brain injury or concussion claim — diagnosis, invisible cognitive and personality changes,
Personal Injury
Wrongful Death ClaimUnderstand a wrongful death or fatal-accident claim — who can claim, dependency and bereavement damages, estat
Personal Injury
Pain & Suffering EstimatorUnderstand how pain and suffering (non-pecuniary damages) is valued — multipliers, per-diem myths, Canada's ca
Personal Injury
Truck Accident ClaimAssess a commercial truck or 18-wheeler crash claim — preserving ELD and black-box data, multiple liable parti
Personal Injury
Workplace Injury ClaimNavigate a workplace injury — workers' compensation reporting and deadlines, the exclusive-remedy rule, third-
Personal Injury
Pedestrian Accident ClaimAssess a pedestrian-vs-vehicle injury claim — accident benefits and no-fault coverage, hit-and-run and uninsur
Personal Injury
Nursing Home Abuse ClaimRecognize and act on suspected nursing-home or long-term care abuse and neglect — warning signs, regulatory re
Personal Injury
Wrongful DismissalMap your termination against with-cause and without-cause law, statutory minimums, and common-law notice — and
Employment Law
Severance ReviewBenchmark the offer in your hands against statutory minimums and the common-law range, spot the missing compon
Employment Law
Workplace HarassmentIdentify whether what you're experiencing is legally harassment or discrimination, what your employer must do
Employment Law
Constructive DismissalTest your employer's unilateral changes against the two-branch constructive dismissal framework, check your co
Employment Law
Unpaid Wages & OvertimeMap exactly what you're owed — wages, overtime, vacation pay, commissions, tips — and get a personalized recov
Employment Law
Workplace Injury ClaimInjured at work? Find out what benefits you're owed, whether a lawsuit route exists despite the comp bar, and
Employment Law
Discrimination ClaimTest your situation against the prima facie discrimination framework, check the strict filing deadlines, and g
Employment Law
Fired Without CauseFind out what your employer can legally do, which exceptions turn a 'legal firing' into a claim, and exactly w
Employment Law
Non-Compete ReviewTest your non-compete, non-solicit, or confidentiality clause against your jurisdiction's rules and get a plan
Employment Law
Consultation PrepTurn a one-hour consultation into real answers: a personalized agenda, a bring-list for your issue type, ranke
Employment Law
Workplace RetaliationMap your complaint, the adverse action, and the timing between them against US and Canadian anti-retaliation l
Employment Law
Accommodation RequestUnderstand the duty to accommodate under the US ADA and Canadian human rights codes, frame a written request,
Employment Law
Termination ResponseA step-by-step plan for the hours and days after a termination — what to sign, what to say, and how to protect
Employment Law
Layoff RightsCheck your layoff against the US WARN Act, state mini-WARN laws, and Canadian mass-termination and temporary-l
Employment Law
Overtime ClaimCheck your overtime rights under the US FLSA, state daily-overtime rules, and Canadian employment standards —
Employment Law
Contract ReviewUnderstand the clauses that matter most — termination, non-compete, IP, and arbitration — under US and Canadia
Employment Law
Leave RightsUnderstand job-protected pregnancy, parental, and medical leave under the US FMLA, state programs, and Canadia
Employment Law
Safety ComplaintUnderstand your right to refuse unsafe work, how to report hazards to OSHA or Canadian regulators, and the ant
Employment Law
Whistleblower ProtectionUnderstand US and Canadian whistleblower protections — from Sarbanes-Oxley, Dodd-Frank, and the False Claims A
Employment Law
Final Paycheck ClaimCheck your final wages, vacation payout, commissions, and deductions against US state final-pay laws and Canad
Employment Law
Evict My TenantCheck whether you have a lawful ground to evict, whether your notice is valid, and get a step-by-step process
Landlord & Tenant
Fight EvictionReceived an eviction notice? Map your deadlines, defences, and hearing rights, and get a personalized plan to
Landlord & Tenant
Deposit RecoveryCheck whether your deposit was even legal, which deductions can stand, what penalties your landlord owes for m
Landlord & Tenant
Rent Increase CheckCheck your rent increase against the caps, notice rules, forms, and 12-month limits that apply where you live
Landlord & Tenant
Repairs & Maintenance RightsMap your repair problem to the habitability rules in your province or state and get a step-by-step escalation
Landlord & Tenant
Breaking a LeaseFind your cheapest legal exit from a lease — statutory rights, assignment, buyout, or mitigation — and see wha
Landlord & Tenant
Landlord Evidence OrganizerBuild the evidence file a tenancy tribunal actually needs — ledger, photos, incident diary, and proof of servi
Landlord & Tenant
Landlord Entry & PrivacyCheck whether your landlord's entries were legal, learn the notice rules in your province or state, and get a
Landlord & Tenant
Roommate DisputeSort out who actually has what rights — co-tenant, occupant, or boarder — and get a legal plan for unpaid rent
Landlord & Tenant
Hearing PrepA role-specific preparation plan for your tenancy tribunal or housing court hearing — evidence deadlines, hear
Landlord & Tenant
Rent Increase DisputeTurn a suspect rent increase into a structured, jurisdiction-aware dispute — find your strongest legal ground
Landlord & Tenant
Repair RequestBuild a documented repair request that unlocks your remedies — from tribunal orders and rent abatement to repa
Landlord & Tenant
Eviction DefenseMap every defense to your eviction — defective notice, reinstatement, retaliation, habitability, and bad faith
Landlord & Tenant
Deposit ClaimBuild a documented demand for your security deposit — using the return deadline, the itemization rule, and the
Landlord & Tenant
Lease ReviewSpot the void and one-sided clauses in your lease before you sign — from waived repairs and unlimited entry to
Landlord & Tenant
Roommate AgreementBuild a clear roommate agreement covering rent splits, deposits, notice, and house rules — and understand who
Landlord & Tenant
Illegal EntryDocument and challenge a landlord who enters without notice, harasses, or locks you out — and assert your righ
Landlord & Tenant
Pest InfestationHandle bedbugs, roaches, or rodents the right way — establish landlord responsibility, document the infestatio
Landlord & Tenant
Noise ComplaintResolve a rental noise problem — whether you're the one disturbed or the one accused — with a documented log,
Landlord & Tenant
End of TenancyMove out cleanly and protect your deposit — proper notice, documented condition, keys and forwarding address,
Landlord & Tenant
Do I Need a Will?See exactly what intestacy law would do to your family and assets if you died without a will — and what a prop
Wills & Estates
Executor DutiesMap your duties, deadlines, and personal liability traps as an executor — from securing assets through probate
Wills & Estates
Contesting a WillAssess your standing, grounds, evidence, and deadlines for challenging a will — and whether a dependant suppor
Wills & Estates
Probate ReadinessCheck which assets need probate, which bypass it, what the fees will be, and whether your application package
Wills & Estates
Power of AttorneyFind out which power of attorney documents you need, who to appoint, and how urgent your situation is — with a
Wills & Estates
Estate Admin OrganizerFor executors and administrators: audit what's done, what's missing, and what puts you at personal risk — and
Wills & Estates
Inheritance DisputeIn conflict over an estate? Map your rights as a beneficiary, the legal levers your dispute triggers, and whet
Wills & Estates
Digital AssetsMap your crypto, accounts, photos, and online business assets, and get a personalized plan so your executor ca
Wills & Estates
Blended Family EstateFind the hidden conflicts between your will, your home's title, and your prior obligations — before they disin
Wills & Estates
Estates Lawyer PrepTurn your first estates consultation into decisions, not introductions — with a purpose-built agenda, bring-li
Wills & Estates
Will Drafting ReadinessFind out whether you're ready to draft or update your will, what your estate needs, and exactly what to bring
Wills & Estates
Intestacy Outcome CheckSee exactly how your province or state's intestacy rules would divide your estate if you died without a will —
Wills & Estates
Trust PlanningFind out whether a trust belongs in your estate plan — probate avoidance, privacy, protecting minors or a disa
Wills & Estates
Guardianship DesignationPlan who would raise your minor children if you could not — how to make a binding nomination, why to name alte
Wills & Estates
Estate Tax CheckFind out whether your estate faces estate tax, capital gains on death, or probate costs — and what planning to
Wills & Estates
Healthcare DirectivePlan your advance directive or living will, name a healthcare agent, and record your treatment wishes — with g
Wills & Estates
Beneficiary ReviewCheck the beneficiary designations on your retirement accounts, insurance, and pensions for stale names, will
Wills & Estates
Charitable Giving PlanSee how to leave gifts to charity in your estate tax-efficiently — through bequests, registered accounts, life
Wills & Estates
Small Estate CheckFind out whether an estate qualifies for a small-estate affidavit or simplified probate, which assets bypass p
Wills & Estates
Estate Plan CheckupRun a holistic review of your whole estate plan — will, powers of attorney, beneficiary designations, guardian
Wills & Estates
Power of Attorney PlannerDesign your power of attorney the right way — who acts, when it takes effect, and which safeguards to include
Wills & Estates
Estate Executor RoadmapA step-by-step roadmap for executors and administrators — probate, inventory, debts, taxes, and distribution —
Wills & Estates
Immigration Options ExplorerAnswer a few questions about your goals, connections, and status to see which US and Canadian immigration path
Immigration
Family Sponsorship CheckerCheck whether you can sponsor your spouse, partner, parent, or child for US or Canadian immigration — the righ
Immigration
Work Visa NavigatorFind the right US or Canadian work authorization for your situation — H-1B, L-1, TN, O-1, LMIA work permits, i
Immigration
Study Permit PlannerPlan your US F-1 visa or Canadian study permit step by step — proof of funds, attestation letters, interview p
Immigration
Citizenship Readiness CheckCheck whether you meet the residency days, language, tax, and character requirements for US naturalization or
Immigration
Deportation Response GuideFacing removal or deportation in the US or Canada? Triage what you received, the deadline running right now, a
Immigration
Visa Refusal Next StepsRefused a visa, permit, or immigration application? Map your options — reapply, appeal, or judicial review — w
Immigration
PR Application TrackerOrganize your green card or Canadian PR application like a professional file — the documents to order first, f
Immigration
Asylum & Refugee GuideUnderstand the US asylum and Canadian refugee claim process — the one-year rule, Safe Third Country limits, th
Immigration
Immigration Document ChecklistBuild a personalized document checklist for any US or Canadian immigration application — what to order first,
Immigration
Express Entry BuilderEstimate your Canadian Express Entry CRS profile and find the highest-leverage ways to raise your score — lang
Immigration
Spousal SponsorshipPrepare a spouse or partner sponsorship the right way — US marriage-based green cards and K-1 fiancé visas, or
Immigration
Visitor Visa GuideUnderstand the right visitor route for the US or Canada — ESTA and B-1/B-2 visas, or the Canadian eTA and Temp
Immigration
LMIA Work PermitFind out whether your Canadian work permit needs a Labour Market Impact Assessment or qualifies for an LMIA ex
Immigration
PNP AssessmentSee which Canadian Provincial Nominee Program streams fit your profile — enhanced Express Entry nominations wo
Immigration
Green Card FinderFind the US permanent residence route that fits you — family-based petitions, employment green cards (EB-1, EB
Immigration
H-1B AssessmentAssess your H-1B specialty-occupation odds — degree match, cap-subject lottery vs cap-exempt employers, OPT ca
Immigration
Appeal PlannerUnderstand your options after an immigration decision — Canada's Immigration Appeal Division and Federal Court
Immigration
Investor Visa ExplorerCompare US and Canadian investor and entrepreneur routes — the E-2 treaty investor, EB-5 immigrant investor, C
Immigration
Inadmissibility CheckScreen for what could bar you from the US or Canada — criminal inadmissibility (including DUI in Canada), over
Immigration
Home Buying ChecklistWalk through every legal checkpoint from offer to closing — conditions, deposits, title, financing, and closin
Real Estate
Home Selling GuideUnderstand your disclosure duties, mortgage payout, buyer conditions, and closing obligations as a home seller
Real Estate
Agreement ReviewerTriage the key clauses in your real estate purchase agreement — conditions, deposits, fixtures, closing dates,
Real Estate
Closing CostsWalk through every closing cost — legal fees, title insurance, land transfer and transfer taxes, adjustments —
Real Estate
Title IssuesDiagnose liens, easements, encroachments, survey problems, and title fraud — and find the cure path, including
Real Estate
Boundary DisputesFences, encroachments, adverse possession, and survey steps — map the path from property-line conflict to a re
Real Estate
Construction DefectsNew-build and renovation defects: warranty program coverage, builder repair obligations, escalation paths, and
Real Estate
Failed ClosingBuyer or seller backing out? Map deposit forfeiture, damages, specific performance, and the moves that protect
Real Estate
Co-Ownership PlannerBuying property with partners, friends, or family? Plan the title structure — joint tenancy vs tenancy in comm
Real Estate
Document OrganizerA stage-by-stage document checklist for buying or selling — what to gather, when each item is needed, and what
Real Estate
Inspection IssuesA bad inspection report doesn't have to end the deal. Sort the findings by risk and map your renegotiation, ho
Real Estate
Closing DelayYour closing is slipping. Diagnose the cause, find out who's exposed under a time-of-the-essence contract, and
Real Estate
Deposit DisputeThe deal fell through and everyone wants the deposit. Understand who's entitled to earnest money, why the hold
Real Estate
New-Build WarrantyDefects in a newly built home? Find your warranty coverage tier, the reporting deadlines that make or break a
Real Estate
Easement / EncroachmentA fence over the line, an undisclosed right of way, a structure crossing the boundary — understand easements,
Real Estate
Condo Status ReviewBuying a condo? The status or estoppel certificate hides your real risk — reserve shortfalls, special assessme
Real Estate
Seller DisclosureHidden defect after closing, or unsure what to disclose when selling? Understand caveat emptor, latent defects
Real Estate
Financing ConditionYour financing condition is the difference between walking away and forfeiting a deposit. Plan the mortgage co
Real Estate
FSBO Legal GuideBuying or selling a home without an agent? Cover the legal ground an agent would — enforceable contracts, disc
Real Estate
Rent-to-Own ReviewRent-to-own blends a lease with a future purchase — and hides real risk in credits, forfeitures, and title. Un
Real Estate
Business Formation SelectorCompare sole proprietorship, LLC, partnership, and corporation for your liability, tax, and funding needs acro
Business Law
Shareholder Dispute AssessmentAssess a shareholder dispute, oppression remedy, or fair-value buyout in a closely held US or Canadian company
Business Law
Partnership Dissolution PlannerPlan a partnership dissolution or partner buyout — valuation, debts, guarantees, and liability release — under
Business Law
Contract Breach AssessmentAssess a business breach-of-contract claim or defence — elements, damages, key clauses, and forum — under US a
Business Law
Non-Compete Enforceability CheckCheck whether a non-compete, non-solicit, or confidentiality clause your business uses is enforceable across U
Business Law
Business Purchase ChecklistPlan a business acquisition — asset vs share structure, due diligence, consents, and deal protections — under
Business Law
Commercial Lease ReviewReview a commercial lease before you sign — additional rent, personal guarantees, assignment, and renewal — un
Business Law
Trademark Protection GuidePlan how to clear, register, and protect your brand name and logo as a trademark in the US and Canada — and re
Business Law
Business Debt CollectionPlan how to collect an unpaid business debt — demand letters, limitation periods, judgment, and enforcement —
Business Law
Employee vs Contractor CheckCheck whether a worker is truly an independent contractor or an employee under US and Canadian tests — and the
Business Law
Tax Audit ResponsePlan your response to a CRA or IRS audit — deadlines, scope, records to gather, when to bring in a professiona
Tax Law
CRA / IRS DisputeUnderstand how to contest a tax assessment — objections vs appeals, CRA and IRS deadlines, informal fixes, Tax
Tax Law
Tax Debt ReliefExplore ways to handle tax debt to the CRA or IRS — payment arrangements, penalty and interest relief, hardshi
Tax Law
Unfiled ReturnsGet back on track with years of unfiled tax returns — voluntary disclosure, replacing estimated assessments, r
Tax Law
Tax Appeal ReadinessCheck whether you're ready to appeal a tax assessment to court — prerequisite objections, deadlines, informal
Tax Law
Voluntary DisclosureCheck eligibility for a voluntary disclosure — the CRA's VDP and the IRS voluntary disclosure practice — to co
Tax Law
Business Tax DutiesMap your business tax obligations — income tax, GST/HST or sales tax registration, payroll remittances, instal
Tax Law
Self-Employment TaxUnderstand self-employment tax duties — setting money aside, self-employment/CPP contributions, quarterly inst
Tax Law
Penalty ReliefAssess whether tax penalties and interest can be cancelled — reasonable cause, first-time abatement, CRA taxpa
Tax Law
Capital Gains PlanningPlan around capital gains tax before you sell — cost base, exemptions, holding periods, loss harvesting, gifts
Tax Law
Bankruptcy vs ProposalCompare bankruptcy against a consumer proposal (Canada) or Chapter 7 versus Chapter 13 (US) based on your debt
Bankruptcy & Debt
Debt Relief FinderWork through your debt, budget, and goals to see which relief option fits — from credit counselling and consol
Bankruptcy & Debt
Proposal ReadinessCheck whether a consumer proposal fits your debt, income, and assets — the $250,000 limit, what payment credit
Bankruptcy & Debt
Chapter 7 EligibilityWork through the Chapter 7 means test — median-income comparison, disposable income, prior-filing bars, and co
Bankruptcy & Debt
Chapter 13 PlanAssess a Chapter 13 repayment plan — regular-income eligibility, curing mortgage and car arrears, plan length
Bankruptcy & Debt
Dealing With CollectionsKnow your rights with debt collectors — FDCPA and provincial rules, disputing and validating debts, limitation
Bankruptcy & Debt
Wage GarnishmentUnderstand wage garnishment limits and your options — CCPA and provincial caps, exemption and hardship claims,
Bankruptcy & Debt
Debt Settlement PlannerPlan a debt settlement that actually works — lump-sum leverage, realistic discounts, written 'paid in full' te
Bankruptcy & Debt
Insolvency AssessmentApply the two legal tests for insolvency — the cash-flow test and the balance-sheet test — to see whether you
Bankruptcy & Debt
Rebuild CreditBuild a step-by-step plan to rebuild credit after bankruptcy or a consumer proposal — how long it stays on you
Bankruptcy & Debt
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